Disability Insurance IN THE UNIFORMED SERVICES
|
|
- Annice Bates
- 8 years ago
- Views:
Transcription
1 Disability Insurance designed exclusively for today s FAMIlY PHYSICIAN IN THE UNIFORMED SERVICES The AAFP Disability Income Plan is association-group insurance sponsored by the American Academy of Family Physicians and underwritten by New York Life Insurance Company. "The Company You Keep"
2 T E N R E A S O N S T O A P P L Y 1Special features designed exclusively for family physicians in the Uniformed Services. 2Competitive group rates. 3A communicable disease provision pays benefits if you are prevented from working because you contract a covered disease (including HIV, AIDS and non A type hepatitis), even if you are otherwise healthy. 4Attractive tax treatment generally allows you to receive your disability benefits free of income tax, provided you paid all premiums out of personal funds. 5Versatile protection to supplement your government provided disability pay. 6Your coverage is portable. When you leave the Uniformed Services, simply notify AAFP Insurance Services and transfer without penalty to the AAFP Plan for civilian physicians. No statement of health to complete. 7This is own occupation insurance with trial-work, rehabilitation and residual benefit provisions which may allow you to return to work and still qualify for benefits. 8Inflation Protection Option to help protect the purchasing power of your benefits. 9This coverage is sponsored and endorsed by the American Academy of Family Physicians, and it is underwritten by New York Life Insurance Company. 10 New York Life cannot cancel the master policy for any reason (other than non-payment of premium) as long as the Academy continues to endorse the plan and doesn t offer another similar disability product.
3 A D I S A B I L I T Y C A N A F F E C T Y O U R W H O L E F A M I L Y A disability can trigger a ripple of hardships from patient to family. As a practicing physician, you ve probably seen it. JAMA s most recently published study on the topic (12/21/94) documented the substantial burdens. Most disturbingly, these losses occurred even though 96% of the patients studied had hospitalization insurance. More than a third (34%) of disabled patients required considerable caregiving assistance from a family member. In 20% of the cases, a family member had to quit work to provide care or make another major life change. (The study did not document the number of households in which family members were required to re-enter the work force or to put in additional time to replace lost income.) Nearly a third (31%) of surveyed households suffered loss of all or most of the family s savings. Loss of a major source of income was reported in 29% of the households. T H E R I S K S A R E T O O G R E A T T O I G N O R E Probability of becoming disabled for 3 months or longer prior to age 65 Age Probability 58% 54% 50% 45% 40% 33% Source: 1985 Commissioners Individual Disability Table A Rates you can afford. Coverage you can t afford to be without. If you are 35, are eligible for a $2,500 a month benefit, and request the Inflation Protection Option, your current semi-annual premium contribution will be $ that s just $47.58 a month. If you become Totally Disabled, you will receive a benefit of $2,500 a month, plus inflation increases for as long as you are totally disabled, up to age 65. If you are totally disabled for 30 years, you would receive $900,000 in your basic benefits... plus inflation benefits. If you pay premiums for 10 years and then become Totally Disabled, you would receive every cent you paid in premiums and more in less than 3 months of benefits. See the enclosed rate information about the plan for your particular situation. Rates increase with age..
4 T H I S P L A N I S P E R F E C T F O R Y O u If you are in the Uniformed Services now Your Academy s Disability coverage provides valuable supplemental protection to help fill the gaps in your government pay due to loss of specialty pay and MORB when you become disabled. If you foresee becoming a civilian physician in the future You may keep your AAFP Disability coverage without cost penalty when you leave the Uniformed Services by simply notifying AAFP Insurance Services. No statement of health to complete. q u e s t i o n s a n d a n s w e r s Who can apply? All AAFP members in the Uniformed Services Chapter, under age 60, residing in the 50 United States (excluding VT) and the District of Columbia, with a satisfactory health history, engaged in Full-Time Work and not currently receiving Hazardous Duty Pay may apply for coverage. Full-Time Work means the active performance for pay or profit of the regular duties of your normal occupation on a basis of at least 20 hours a week at the place such duties are normally performed. Once insured, your coverage can be continued even if you begin receiving Hazardous Duty Pay, but limitations will apply. Please see Exclusions below. When does my coverage end? Once approved, you can continue your coverage to age 70, as long as you pay all premium contributions when due, you remain at Full-Time Work and the group policy remains in force. Note: Your coverage can continue without interruption or cost penalty if you discontinue membership in the Academy. What is the maximum benefit amount for which I can apply? The amount of total disability benefits for which you are eligible to apply is based on your AAFP membership classification and rank/pay grade. Monthly AAFP Total Disability Membership Benefit Classification Rank/Pay Grade $ 500 Resident member N/A $1,500 Active member 03 $2,000 Active member 04 and above $2,500 Active member 04 and above with Medical Officer Retention Bonus The Monthly Benefit you receive under the AAFP policy will not be reduced by other disability benefits you receive from any source. Does my monthly benefit increase when my rank changes? Yes. As you change from a Resident to Active member of the Academy or as your rank/pay grade changes, your total disability benefits can increase. All you have to do is notify AAFP Insurance Services, in writing, of the change. Your disability benefit increase will become effective on the later of: (1) The first of the month on or next following the date your notification is mailed, or (2) The first of the month on or next following the date of your promotion; provided the applicable premium contribution is paid when due. No application is needed. No health questions to answer. Are there waiting periods? In most cases, yes. This policy has a 150-day waiting period (that continuous time period between the onset of a disability and when benefit payments begin). However, in certain situations the waiting period is waived. See the Communicable Disease, Organ Donation and Relapse provisions described below. When are benefits paid? Benefits will be paid if you become Totally Disabled and you have completed your waiting period. You will not be required to return to work at some other occupation. Totally Disabled means you are completely and continuously unable to perform the material and substantial duties of your profession or occupation for pay or profit due to accidental bodily injury or sickness, provided you are not otherwise working for pay or profit. (See liberalization of not otherwise working requirement under the provisions describing entrance into a rehabilitation program and return to work on a trial or part-time basis below.) Note: You will not be considered Totally Disabled solely due to the lack of a valid professional or occupational license or certification. To qualify to receive disability payments under this policy you do not have to be receiving disability pay from your branch of the Uniformed Services, Social Security disability payments, or proceeds from any other disability insurance policy which you may have. When do benefits end? Once you qualify to receive benefits and the waiting period (if any) has passed, payments will be made to you for as long as you remain disabled, but not beyond age 65. (Benefits will be paid for up to three years for disabilities related to mental or nervous disorders, alcoholism or drug addition, or Self-Reported Symptoms.) If a disability begins at ages 64 through 69, you can receive benefits for up to one full year. Self-Reported Symptoms are defined as the manifestations of a condition which are reported to a physician, but which are not verifiable using tests, procedures, or clinical examinations. Self-Reported Symptoms include but are not limited to: headaches, pain, fatigue, stiffness, soreness, ringing in ears, dizziness, numbness and loss of energy. Will I lose benefits if I enter a rehabilitation program? No. If, while Totally Disabled, you willingly participate in an approved rehabilitation program, you can do so at no cost to you and without reduction in your disability benefits. Will I lose benefits if I return to work on a trial or part-time basis? No. This policy has been designed to encourage you to return to work as soon as you are able. Therefore, if you return to work after having been Totally Disabled for at least 30 consecutive days, and your income-earning capacity has been diminished by as little as 25%, you can receive what are known as residual benefits. Residual benefits end when your earnings rise to the point that they exceed
5 75% of your pre-disability income. Full benefits are payable if your earnings loss is 75% or greater. (Residual benefits are a percentage of your Monthly Benefit equal to the percentage reduction in monthly earnings produced by your disability.) See Certificate Of Insurance for additonal description. What if I suffer a relapse? If you suffer a recurrence of the same or related disability within three months of returning to Full-Time Work (within 12 months if the disability is due to a mental disorder, drug addiction or alcoholism), your benefits will resume without the need to satisfy a new waiting period. Your benefit period remains unchanged as well. What if I contract a communicable disease and, though otherwise fit, am prevented from working? The policy s Communicable Disease provision has been designed especially for medical professionals working in today s high-risk health environment. Under this provision, if you are under age 65 you will receive full disability benefits without a waiting period if you contract a covered Communicable Disease and, as a result, are unable to earn more than 75% of your average monthly income. A Communicable Disease is defined as the following conditions, but only if public disclosure is either (a) recommended by your medical profession or (b) required by an appropriate governmental agency: Acute Viral Hepatitis of a non A type, Human Immunodeficiency Virus, Acquired Immune Deficiency Syndrome and tuberculosis. What is the Organ Donor Provision? If you have been insured for at least six months and undergo a surgical procedure to donate an organ for transplant, you will be considered Totally Disabled and, therefore, eligible for total disability benefits. No waiting period will apply. Will my benefits be affected by Social Security or benefits from other coverages? No. Some policies reduce benefits dollar-for-dollar when Social Security or coverage from other policies begin. However, your Academy s policy does not have such a coordination of benefits provision. Instead, once insured, your benefits will be paid without regard to the presence of other benefits. Will my benefits be taxable as income? That depends on whether you or someone else pays the premium. (Please consult your tax advisor for information about your specific situation.) Generally, under current tax law, when the premiums are paid by your government employer or a civilian employer/medical practice and taken as a tax-deductible business expense, then policy proceeds which you receive will be treated as taxable income to you. However, benefits you receive under a disability policy you purchase yourself will generally be income tax-free allowing you to keep every penny of coverage you ve paid for. The difference in spendable dollars between an employer-paid (i.e. military disability pay) and an individually-paid policy can be significant. AAFP coverage can help keep your disability income intact by filling the tax gap as well as helping to replace lost specialty pay and MORB. Can I change my mind after I apply? Yes. If you are not completely satisfied with your new coverage, you can return the Certificate Of Insurance within 30 days provided you did not submit a claim for benefits under this policy. Your insurance will then be invalidated and your premium contribution refunded no questions asked. Is this coverage portable? Yes. You can continue it without penalty even if you change employers, change professions or terminate your AAFP membership. (See When does my coverage end? ) Should you transfer your membership from the Uniformed Services Chapter to an AAFP State Chapter you have the right to continue your total disability coverage subject to the terms and conditions of the group policy which apply to members not in Uniformed Services. How do I know this policy won t be canceled by the underwriting insurance company? As part of the master contract, New York Life Insurance Co. agreed never to cancel this coverage unless the Academy terminates the contract by sponsoring another similar disability policy or by withdrawing its endorsement. (Naturally, coverage ceases if premiums are not paid when due.) Since the Academy s inception in 1947, the Academy has never withdrawn a life or disability product unless it had a suitable replacement plan in place. What does coverage cost? Please review the application folder showing current rates and benefit structure. This Academy-sponsored coverage was designed exclusively for members of the Uniformed Services Chapter. If you ve shopped the market, you ve probably discovered that few, insurance companies make disability protection available to members of the uniformed forces. With your needs in mind, your Academy, in cooperation with New York Life Insurance Company, has designed coverage exclusively for members of the AAFP Uniformed Services Chapter. This coverage is cost efficient group insurance. The monthly benefits you receive under this policy will not be reduced by other disability benefits you receive from any source. Do I still pay premiums if I become disabled? No. You pay no premiums while you are receiving monthly AAFP disability income benefits. Why should I consider the Inflation Protection Option? The Inflation Protection Option is designed to increase your benefits while you are disabled to help prevent your dollar s buying power from being eroded by inflation. If you become disabled prior to age 63, your benefits can increase annually starting on the first anniversary of your Total Disability. Increases are based on the Consumer Price Index for Urban Consumers (CPI-U). The maximum increase is 7.5% a year, with an overall maximum increase of 100% of your original monthly benefit. Example: If you become disabled and receive a monthly benefit of $2,500 during the first year, your benefit in the second year depending upon the rate of inflation at the time could increase to as much as $2,688 [$2, % = $ 2,688]. In subsequent years your benefits could continue to increase, but not beyond $5,000. In addition, a catch-up feature allows disabled members to receive benefit increases in excess of the 7.5% annual maximum if a prior year s inflation adjustment was less than 7.5%. Example: If one year s increase is 5% and then inflation rises sharply the next year to 10%, the catch-up feature could pay 10% for year two [$2, % = $2,625 for one year]. Then, in year two, $2,888 [$2,625 + (7.5% inflation cap + 2.5% catch-up) = $2,888]. Once you are no longer disabled and benefit payments stop, your monthly benefit returns to its original amount. Please indicate your willingness to pay the additional premium charge to accept this valuable Inflation Protection Option by checking the box on your application. What are the policy s exclusions? Benefits are not payable during the waiting period. (See "Are there waiting periods?") This policy does not provide benefits for disabilities due or related to routine pregnancy (Note: Complications of pregnancy are covered); or declared or undeclared war or any act thereof; or any disability which occurs while performing job duties when the insured member is receiving Hazardous Duty Pay. This policy does not provide benefits for any disability that occurs during or is due or related to intentionally self-inflicted injury while sane or insane; or incarceration or participation in a crime or illegal activity. No benefits are payable during any period in which you are incarcerated. Also, to be considered disabled, the disability must occur while you are insured under the policy and you must be under the regular care of a licensed physician (other than yourself or immediate family/household member) during the period of disability.
6 a p p l y Fill out the enclosed easy-to-complete application to apply for your insurance. Send no money now. If your coverage is approved, you will be billed when your Certificate Of Insurance is sent. Your effective date of coverage will be the first day of the month following approval by New York Life, provided: (a) your initial premium is received within 31 days after you are billed; (b) you are not receiving Hazardous Duty Pay; and (c) you are at Full-Time Work on the effective date. Any person not at Full-Time Work as required will not become insured until the day he/she is at Full-Time Work, provided such day is within three months of the date insurance would have been effective and the person is still eligible for insurance. Note: no salesperson will call. A policy sponsored and endorsed by the American Academy of Family Physicians Your Academy reviews, analyzes and selects coverage for members and their families based on each policy s scope of protection and cost compared to other policies available. We believe them to and we are pleased to endorse them to our members. If you are not completely satisfied after receiving your Certificate Of Insurance, you may return it (without claim) within 30 days to AAFP Insurance Services. You will receive a full refund of your money, your insurance will then be invalidated, and you will have no further obligation. N O W All information provided for underwriting remains strictly confidential. (See the Important Notice in the application section for details.) A policy underwritten by New York Life Insurance Company Founded in 1845, New York Life is ranked among the leaders in the financial services industry. For seven generations over the last 165+ years, New York Life has touched the lives of millions of policyholders and helped them to achieve their financial goals. issued to the American Academy of Family Physicians for any reason (other than non-payment of premiums) as long as the Academy continues to endorse this plan and does not change its sponsorship to another similar plan. be the best available A.M. Best (A++), Fitch Ratings (AAA), Moody's Investors Service (Aaa), and Standard & Poor's (AAA) for financial strength. The Company You Keep * source: Individual Third Party Rating Reports (as of 6/16/09) For questions, assistance and claims contact: AAFP Insurance Services, Inc. AAFP Headquarters, Suite Tomahawk Creek Parkway Leawood, KS Toll-free phone: Toll-free fax: insurance@aafp.org Website: As plan administrator and your advocate to the insurance industry, we have been providing personal, professional service to family physicians and their families since The AAFP association-group Disability Income Insurance Plan for Members in the Uniformed Services described above is subject to the terms and conditions of Group Policy G-7201 issued by New York Life Insurance Company (51 Madison Avenue, New York, NY 10010) to the American Academy of Family Physicians (on Policy Form GMR-FACE/G-7201). Please refer to the Certificate Of Insurance for details of your coverage. New York Life Insurance Company (NAIC #66915) is domiciled in New York and licensed/authorized to transact business in the 50 United States and the District of Columbia. AAFP Insurance Services, Inc. is domiciled in Missouri and licensed/authorized to transact business in the 50 United States and the District of Columbia (agency licenses: AR #246260; CA # ). G7201-USvcs1-3(c/p/2-web) 4/10
7 Protection for your most important asset... your ability to earn an income AAFP Disability Insurance Plan designed exclusively for Members of the Uniformed Services Chapter The amount of total disability benefits for which you are eligible to apply is based on your AAFP membership classification and your rank/pay grade. AAFP MEMBERSHIP Resident Active Active Active CLASSIFICATION Grade 03 Grade 04 Grade 04 RANK/PAY GRADE & above & above with MORB $500 $1,500 $2,000 $2,500 MONTHLY BENEFIT Current 2010 Semi-Annual Premium Contribution per $100 Unit of Monthly Benefits Accident & Sickness Benefits to Age 65 INFLATION Semi-Annual PROTECTION AGE PREMIUM OPTION Under 30 $ 5.04 $ * ^ 65-69* n/a The initial cost is based upon your age when insurance becomes effective and increases as you grow older and enter a higher age bracket. Find the row corresponding to your age group to determine your premium. If you want to include the Inflation Protection Option, add the additional charge. Then multiply this amount by the number of $100 units applicable to your benefit as determined above. Example: A 37 year-old Active AAFP member with a Pay Grade of 04 or Above can apply for a monthly benefit amount of $2,000. The semi-annual premium contribution is $ [Calculation: 20 x $7.94] The semi-annual premium contribution with Inflation Protection is $ [Calculation: 20 x $11.42 ($ $3.48)] * Renewal only ^Inflation Protection Option is not available for ages 63 & 64. The premium contributions shown reflect the current rate and benefit structure. Premium contributions may be changed by New York Life Insurance Company on any premium due date and any date on which benefits are changed. However, your rates may change only if changed for all others in the same class of insureds under the association-group insurance policy. For example, a class of insureds is a group of people all with the same issue age. Benefit amounts are not guaranteed and are subject to change by agreement between New York Life and the AAFP. The AAFP association-group Disability Income Insurance Plan for Members in the Uniformed Services is underwritten by New York Life Insurance Company (NAIC #66915), 51 Madison Ave., New York, NY 10010, under Group Policy No. G-7201, on Policy Form GMR-FACE/G If you rely upon an earned income to support yourself and your family... apply today. G7201-USvcs2-4(c/p-web) 12/09
AVMA GHLIT Group Supplemental Disability Income Insurance Plan
AVMA GHLIT Group Supplemental Disability Income Insurance Plan (for Educational Expense Obligations) Designed by veterinarians for veterinarians v Insurance you can trust. Underwritten by New York Life
More informationA Quality Term Life Insurance Policy
A Quality Term Life Insurance Policy Available exclusively to AAFP members and their families Endorsed by Association-group insurance underwritten by NEW YORK LIFE INSURANCE COMPANY The Company You Keep.
More informationAPSIT GROUP DISABILITY INCOME INSURANCE
APSIT GROUP DISABILITY INCOME INSURANCE What could possibly happen to keep me from working? The word disability often triggers thoughts of broken bones, casts, and wheelchairs. However, these would not
More informationWhat is Long Term Disability Income Insurance?
American College of Surgeons Insurance Program Group Long Term Disability Insurance For Residents of California and Florida Only What is Long Term Disability Income Insurance? Lose your ability to practice
More informationHow To Get Life Insurance On A Life Insurance Policy On A $2 Million Plan
AAFP Level Term Life insurance my wedding is in june my youngest entered first grade my oldest just got a driver s license my twins are college bound my wife just started a home-based business my mother
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance for Members of the American Academy of Pediatrics Underwritten by New York Life Insurance Company G-50861-0 (THIS BROCHURE IS NOT INTENDED FOR USE IN NEW MEXICO.) You
More informationAAFP. Level Term Life insurance
AAFP Level Term Life insurance my wedding is in june my youngest entered first grade my oldest just got a driver s license my twins are college bound my wife just started a home-based business my mother
More informationProtection for the unexpected
GROUP LONG TERM DISABILITY INSURANCE Protection for the unexpected Up to $10,000 in monthly benefits Economical group rates 3 waiting periods to choose from Residual Disability Benefits Portable As a medical
More informationDISABILITY INCOME PROTECTION PLAN. Your Partner in Protecting Your Income. American Association of Nurse Anesthetists
Your Partner in Protecting Your Income. TM Your ability to earn an income may be your most valuable asset. Your lifestyle, your home, your children s education and your retirement may ALL hinge on your
More informationGROUP DISABILITY INCOME INSURANCE FOR PHYSICIANS PLAN DETAILS
GROUP DISABILITY INCOME INSURANCE FOR PHYSICIANS PLAN DETAILS Underwritten by New York Life Insurance Company Administered by: THE HILB GROUP OF NEW YORK, LLC PO Box 5671, Bay Shore, NY 11706 (800)-556-1700
More information34.6 MONTHS ONLY YOU KNOW WHAT MATTERS MOST. We re here to help
ONLY YOU KNOW WHAT MATTERS MOST We re here to help GROUP DISABILITY INCOME INSURANCE PLAN UNDERWRITTEN BY: New York Life Insurance Company The American Chemical Society (ACS) Group Disability Income Insurance
More informationDisability Insurance: A sound financial foundation includes income protection
Disability Insurance: A sound financial foundation includes income protection Introduction...1 An important financial safety net...2 Many are not eligible for Social Security or workers compensation benefits...3
More informationGROUP DISABILITY INCOME INSURANCE
R EAGIT Insurance Solutions Built for Appraisal Institute Professionals GROUP DISABILITY INCOME INSURANCE UNDERWRITTEN BY New York Life Insurance Company Real Estate Appraisers Group Insurance Trust Exclusive
More informationSTUDENT LIFE & DISABILITY INSURANCE
STUDENT LIFE & DISABILITY INSURANCE Available Exclusively to SAVMA Members Underwritten by New York Life Insurance Company LIFE & DISABILITY IMPORTANT INSURANCE PROTECTION WHILE YOU RE IN SCHOOL FOR LESS
More informationAmerican Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: Oklahoma State University
American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Oklahoma State University Why Do You Need Disability Income Protection? No One Plans To Be Disabled.
More informationIncome Insurance LONG-TERM DISABILITY GALENA PARK. Enhanced (SSNRA/3Y) Disability Income Plan
LONG-TERM DISABILITY Income Insurance Underwritten by: American Fidelity Assurance Company GALENA PARK Enhanced (SSNRA/3Y) Disability Income Plan Coverage Options Benefits Paid Directly to You Excellent
More informationAVMA GHLIT Group Disability Income Insurance Plan and Basic Protection Package
AVMA GHLIT Group Disability Income Insurance Plan and Basic Protection Package Designed by veterinarians for veterinarians Insurance you can trust. Underwritten by New York Life Insurance Company (NY,
More informationSpecial Guaranteed Issue Offer for Long-Term Disability Insurance
Special Guaranteed Issue Offer for Long-Term Disability Insurance Designed by veterinarians for veterinarians Available to AVMA Members insurance you can trust. Underwritten by New York Life Insurance
More informationAAD Group Disability Income Insurance Plan. Frequently Asked Questions
Frequently Asked Questions 1. What is Disability Income Insurance and why would I need it? Disability Income Insurance can help pay the bills after your short-term benefits are depleted. Many times you
More informationHow To Get A Group Accident Insurance Plan From Asce Group High Limit Accident Insurance
FOR WHEN LIFE DOESN T GO ACCORDING TO PLAN ASCE GROUP HIGH-LIMIT ACCIDENT INSURANCE INNOVATIVE SOLUTIONS: THE WAY YOU WOULD ENGINEER THEM UNDERWRITTEN BY New York Life Insurance Company WHY PURCHASE HIGH-LIMIT
More informationGroup Office Overhead Expense Disability Insurance
American College of Surgeons Insurance Program Group Office Overhead Expense Disability Insurance What is Group Office Overhead Expense Disability Insurance? Your most valuable asset is your ability to
More informationGROUP TERM LIFE INSURANCE
EXCLUSIVE MEMBER BENEFIT! GROUP TERM LIFE INSURANCE for Pennsylvania Bar Association Members, their Families and their Employees Nothing can replace the loss of a loved one, but carefully chosen life insurance
More informationGroup Disability Income Insurance Because You Never Know
The right coverage, group rates, reliable companies. In my opinion, AAO-endorsed insurance is a no-brainer. Dr. Bryon Viechnicki, Bethlehem, PA Group Because You Never Know 1200 East Glen Avenue, Peoria
More informationThe ProVider Plus Competitive Advantage
The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages
More informationGROUP 10-YEAR LEVEL TERM LIFE INSURANCE
GROUP 10-YEAR LEVEL TERM LIFE INSURANCE For Pennsylvania Bar Association Members, Their Spouses and Their Employees The Reliable, Affordable Solution Benefits from $50,000 - $1,000,000 Affordable Group
More informationBENEFITS OF YOUR. Long-Term Disability Income Insurance
BENEFITS OF YOUR Long-Term Disability Income Insurance Disability Benefits PARTIAL DISABILITY BENEFIT If you return to work after a covered total disability that began before age 65, you may be entitled
More informationGROUP TERM LIFE INSURANCE
Quality Group Life Insurance protection for members of the American Academy of Pediatrics $1,000,000 maximum members and spouses Non-smoker rates Waiver of premium Optional AD&D benefit Accelerated Death
More informationThe ProVider Plus Competitive Advantage
The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages
More informationHospital Indemnity Insurance Plan
Hospital Indemnity Insurance Plan Think about what would happen if you were hospitalized and unable to earn income. Your health insurance would cover your stay, but would you be able to cover your out-of-pocket
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,
More informationBerkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468
Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 DISABILITY INCOME PROTECTION COVERAGE REQUIRED OUTLINE OF COVERAGE Policy Form 1500 1. READ YOUR
More informationGROUP DISABILITY INCOME INSURANCE PLAN
GROUP DISABILITY INCOME INSURANCE PLAN FOR MEMBERS OF THE PENNSYLVANIA STATE EDUCATION ASSOCIATION Underwritten by New York Life Insurance Company COVERAGE DETAILS AND BENEFITS WHO IS ELIGIBLE? If you
More informationAVMA GHLIT Family Group Life Insurance Plan
AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians Available to Graduating Student Members v Insurance you can trust. Underwritten by New York Life Insurance Company
More informationGroup 10-Year Level Term Life Insurance Plan
Group 10-Year Level Term Life Insurance Plan The future is unknown are you prepared? 41% of Americans say a life-changing event (marriage, children, buying a home, etc.) prompted them to get life insurance.
More informationTable of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...
Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1
More informationYour Personal Disability Income Protection Plan
Your Personal Disability Income Protection Plan Prepared for: Kimberly Garrison September 25, 2015 Presented by: Joe Capone, ChFC, LUTCF Insuring Income 160 Gould Street Suite 310 Needham, MA 02494 888-666-4208
More informationAVMA GHLIT Group 10-Year and 20-Year Level Term Life and Large Scale Accidental Death and Dismemberment Plans
AVMA GHLIT Group 10-Year and 0-Year Level Term Life and Large Scale Accidental Death and Dismemberment Plans Designed by veterinarians for veterinarians Insurance you can trust. Underwritten by New York
More informationGroup Whole Life 1-877-VIP-CSEA. Valuable Insurance Programs. Administered by. Sponsored by
Group Whole Life 1-877-VIP-CSEA Valuable Insurance Programs Sponsored by Administered by Important Benefits for CSEA members The Civil Service Employees Association (CSEA) is committed to providing its
More informationAMA. Student Starter Program. Dedicated to serving Alberta s medical profession. Our specialty is you.
AMA Student Starter Program Dedicated to serving Alberta s medical profession. Our specialty is you. Table of contents AMA Disability Insurance plan 4 Who is eligible 4 How much coverage can I get? 4
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance For Active Members of New Mexico Public Schools Insurance Authority Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This
More informationIntroducing the AMA-sponsored Student Insurance Program
Introducing the AMA-sponsored Student Insurance Program Term Life Insurance If you should die Your loved ones would receive $25,000 or $50,000. Spouse Term Life coverage is also available. Benefits double
More informationVoluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES
Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This
More informationIncome Protection Plan An Accident-Only Disability Income Insurance Plan. Income Protection Plus Plan
Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P B 110_110 HealthMarkets is the brand name
More informationUSBA TRICARE Standard/Extra Supplement Insurance Plan
USBA TRICARE Standard/Extra Supplement Insurance Plan If you re an eligible TRICARE beneficiary, we invite you to compare our TRICARE Standard or TRICARE Extra Supplemental insurance plan to other providers.
More information$100 or 10% $100 or 10%
Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationepsmoore_uuaa-37756-disabilityplan University of Utah Alumni Association 37756/37792/01007/42709 Batch ID: Family ID: 0001183-0000001-0000111 *059101000* 0001184-0000002-0000111 0001185-0000003-0000111
More informationWhat every Physician should. Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc.
Physician White Paper What every Physician should Know About Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc. Traditionally, physicians are a financially conservative
More informationLong-Term Disability Insurance
Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.
More informationThe Standard Life Insurance Company of New York Voluntary Long Term Disability Coverage Highlights Teachers College, Columbia University
Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit
More informationVoluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is
More informationLong-Term Disability. Income Insurance. Non-Clerical Education Support Personnel. Plan Designed Specifically For: Effective: 10-1-2012
Effective: 10-1-2012 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Non-Clerical Education Support Personnel Why Do You Need Disability Income
More informationGroup Term Life Insurance Plan
Group Term Life Insurance Plan Is your family protected? Did you know that half of U.S. households do not have adequate life insurance coverage? ( Life Insurance Awareness Month, LIMRA, August 2013.) If
More informationExpanded Long Term Disability Insurance
Expanded Long Term Disability Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California Government PECG
More informationVoluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance F O R G O V E R N M E N T O F T H E D I S T R I C T O F C O L U M B I A E M P L O Y E E S Answers to your questions about coverage from Standard Insurance Company
More informationYES! You CAN take it with you
YES! You CAN take it with you You Are Now Eligible To Convert Your Current Long-Term Disability Insurance To Disability Conversion Insurance DCI Coverage For residents of New York State Group Insurance
More informationLONG TERM DISABILITY INSURANCE PLAN
A benefit of your membership! INSURANCE SPECIALISTS, INC. LONG TERM DISABILITY INSURANCE PLAN Long Term Disability coverage endorsed by your association as a benefit of your membership. Help protect your
More informationVoluntary Long Term Disability Insurance
Voluntary Long Term Disability Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is
More informationHelp Protect Your Most Valuable Asset Your Income
Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think
More informationGroup Term Life Insurance for Members of the American Academy of Pediatrics
Group Term Life Insurance for Members of the American Academy of Pediatrics Underwritten by New York Life Insurance Company G-46330-0-A Whether you re just starting your career and family or looking forward
More informationAVMA GHLIT Group Professional Overhead Expense Plan
AVMA GHLIT Group Professional Overhead Expense Plan Designed by veterinarians for veterinarians Insurance you can trust. Underwritten by New York Life Insurance Company (NY, NY 10010) Professional Overhead
More informationHow To Understand The Group Liability Insurance For Educators And Administrators
Voluntary Long Term Disability Insurance for Educators and Administrators SAN ANTONIO INDEPENDENT SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE
More information... ... Guide to Group 10-Year Level Term Life Insurance N S P E ...
Guide to Group 10-Year Level Term Life Insurance Answers to Your Questions About Group 10-Year Level Term Life Insurance What exactly do you mean by 10-Year Level Term? When you buy Level Term life insurance,
More informationYour Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University
Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety
More informationDisability insurance endorsed by the State Bar of Texas Insurance Trust as a benefit of your membership. 0257930-00001-00
Disability insurance endorsed by the State Bar of Texas Insurance Trust as a benefit of your membership. 0257930-00001-00 LONG TERM DISABILITY PLAN Long Term Disability Insurance Helps Protect You and
More informationIf Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills?
If Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills? SHORT-TERM DISABILITY INSURANCE DI Underwritten by: American Family Life Assurance Company of Columbus Worldwide Headquarters
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of Lake County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If
More informationIncome Protection Plan An Accident-Only Disability Income Insurance Plan
Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P IP B 110_110 HealthMarkets is the brand
More informationAPSIT GROUP TERM LIFE INSURANCE
APSIT GROUP TERM LIFE INSURANCE STUDENT LOANS. NEW CAR. MORTGAGE. CHILDCARE. BANK LOANS. Do you have these financial responsibilities? What happens to these debts if you re removed from the picture? Do
More informationGroup Business Overhead Expense Insurance Underwritten by New York Life Insurance Company
Group Business Overhead Expense Insurance Underwritten by New York Life Insurance Company Benefits Guide for COA Members elps you maintain your practice while you are disabled Business office expenses
More informationTechnicians Insurance Program
YOUR ACCEPTANCE TO OUR INSURANCE PLANS IS GUARANTEED...If you apply during your first 31 days of employment or if you apply during an official enrollment. ACT NOW BEFORE SPECIAL ELIGIBILITY ENDS! Guaranteed
More informationInsurance & Benefits Trust of PORAC
Insurance & Benefits Trust of PORAC How Benefits are Funded Percentage of Wages Protected Catastrophic Disability Benefit Maximum Monthly Benefit Maximum Benefit Period Fully self-funded and administered
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer
More information10% 31.5% ASCE Group Term Life Insurance. Rate Decrease as of September 1, 2014 ASCE MEMBER INSURANCE PROGRAM
ASCE MEMBER INSURANCE PROGRAM ASCE Group Term Life Insurance 10% Rate Decrease as of September 1, 2014 Student loans. New car. Mortgage. Childcare. Bank loans. Do you have these financial responsibilities?
More informationVoluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY
Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
More informationBuy-up Short Term Disability Insurance
Buy-up Short Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company For the Employees of Douglas County School District About This Booklet This booklet is designed
More informationShort-Term Disability Insurance
Short-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationThe Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
More informationYour Disability Plan Handbook...
due benefits. End of Definition of Disability Tax Information Insurance Premiums Thrift Plan Flexible Spending Reductions Rehabilitation & Vocational Training Return-to-work Incentives Appeal Process Notification
More informationBuy-up Long Term Disability Insurance
Buy-up Long Term Disability Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed
More informationYour Choice Group Voluntary Long Term Disability Insurance
Your Choice Group Voluntary Long Term Disability Insurance An Affordable Way To Safeguard Your Future Standard Insurance Company Group Long Term Disability Insurance About This Booklet This booklet is
More informationPlan Summary CINTAS CORPORATION
CINTAS CORPORATION Plan Summary Optional Term Life, Spouse Dependent Term Life, Child Dependent Term Life, Optional Accidental Death & Dismemberment, Long Term Disability and Short Term Disability Full
More informationAVMA GHLIT Family Group Life Insurance Plan
AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians v Insurance you can trust. Underwritten by New York Life Insurance Company (NY, NY 10010) DESIGNED BY VETERINARIANS
More informationSupplemental Long Term Disability Insurance
Supplemental Long Term Disability Insurance FOR EMPLOYEES OF THE STATE OF SOUTH CAROLINA Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U R A N C E C O M
More informationVoluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company
Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed to answer some common
More informationWHY WOULD I NEED IT? HOW MUCH DO I NEED?
WHY WOULD I NEED IT? HOW MUCH DO I NEED? Definitions Actively at Work means you or your Spouse are performing all the Essential Duties of Your Occupation for wage or profit on a full-time basis (at least
More informationEmail Address: _ Pre-Disability Earnings: $ City: State: Zip Code: Beneficiary Print full name & relationship to you
GROUP DISABILITY INCOME INSURANCE APPLICATION HARTFORD LIFE INSURANCE COMPANY Simsbury, Connecticut 06089 Policyholder: (Participating Organization) Policy No.: Certificate No.: (Leave Blank) AGP-5697
More informationIllinois Insurance Facts Illinois Department of Insurance
Illinois Insurance Facts Illinois Department of Insurance Shopping for Individual Disability Income Insurance Updated January 2010 Note: This information was developed to provide consumers with general
More informationVoluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance FOR EMPLOYEES OF THE STATE OF UTAH Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
More informationAdditional Life Coverage Highlights Johnson County Community College
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select
More informationLong Term Disability Insurance
Long Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Long Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators
More informationGroup 10-Yr. Level Term Life Insurance for Members of the American Academy of Pediatrics
Group 10-Yr. Level Term Life Insurance for Members of the American Academy of Pediatrics Underwritten by New York Life Insurance Company G-29153-0 Whether you re just starting your career and family or
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance with Assisted Living Benefit With State IIA Endorsed Group Long Term Disability Insurance, You Get These Valuable Benefits $10,000 maximum monthly disability benefits
More informationGroup 10-Year Level Term Life Insurance Plan
American College of Surgeons Insurance Program Group 10-Year Level Term Life Insurance Plan Why should you consider the ACS Group 10-Year Level Term Life Insurance Plan? As a surgeon you have many obligations
More informationBILL COVER INSURANCE Policy Wording
BILL COVER INSURANCE Policy Wording Cigna Bill Cover Insurance Policy Wording 1. Introducing your policy 2. Temporary Disability Your Policy - Important This document refers to your Cigna Bill Cover policy
More informationLong Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO
Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance with Assisted Living Benefit With State IIA Endorsed Group Long Term Disability Insurance, You Get These Valuable Benefits 4 $10,000 maximum monthly disability benefits
More informationShort Term Disability Insurance
Short Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Short Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators
More informationLong Term Disability. Bath Marine Draftsmen Association, UAW Local 3999 Plan Benefits. Date Prepared:April 09, 2015
Long Term Disability Bath Marine Draftsmen Association, UAW Local 3999 Plan Benefits Date Prepared:April 09, 2015 Explore the coverage that helps you protect your income and your lifestyle. What is Long
More informationShort-Term Disability Insurance
Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Lake County Board of County Commissioners Protecting Your Family Securing Your Future As long as you've got your health. If
More information